BlastPoint's Credit Union Scorecard
EXPEDITION
Charter #62964 · MN
EXPEDITION has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 4.3% in tier
- + Members Per Employee (MPE): Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.86% below tier average
- - Efficiency ratio 17.38% above tier (higher cost structure)
- - Member decline: -5.2% YoY
- - Deposit Growth Rate: Bottom 7.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,229
-5.2% YoY+0.9% QoQ
|
-916 |
15,145
-2.5% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
56% |
| Assets |
$225.6M
-2.4% YoY+2.4% QoQ
|
$-6.2M |
$231.7M
+0.8% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
58% |
| Loans |
$116.3M
-3.6% YoY-1.9% QoQ
|
$-27.8M |
$144.1M
+0.2% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
47% |
| Deposits |
$202.6M
-3.1% YoY+2.6% QoQ
|
+$1.5M |
$201.1M
+0.4% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
-0.1%
-21.0% YoY+25.4% QoQ
|
-0.9% |
0.7%
+5.1% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.7% in tier |
| NIM |
2.9%
+13.4% YoY-1.2% QoQ
|
-0.7% |
3.6%
+4.6% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.5% in tier |
| Efficiency Ratio |
95.4%
-5.5% YoY-1.9% QoQ
|
+17.4% |
78.0%
-1.7% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.5% in tier |
| Delinquency Rate |
0.2%
-25.1% YoY-14.7% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
17% |
| Loan To Share |
57.4%
-0.5% YoY-4.4% QoQ
|
-13.0% |
70.4%
-0.4% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
22% |
| AMR |
$22,415
+2.0% YoY+0.1% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
47% |
| CD Concentration |
22.6%
-4.5% YoY-4.9% QoQ
|
-1.7% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % |
13.2%
-26.1% YoY-7.5% QoQ
|
-0.6% | 13.8% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)